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June 25, 2015 03:08:47 PM
In reply to Christal, Brooklyn
Nice of you to stop by TD Helps this afternoon, Christal! It would be our pleasure to go over how you can read your balance and what funds are made available to you.
We'd like to let you know that the available balance refers to what you can spend in your account. In your case, if your available balance reads $2,000.00, you have $2,000.00 available for use.
Take a look below for a breakdown of what your available balance consists:
-Your Available Balance includes any deposited funds that have been made available and is reduced by any pending debit card transactions (purchases and ATM withdrawals)
-Your Available Balance does not reflect checks that you have written that have not yet cleared, or payments made in Bill Pay by laser draft (paper check) that have not yet cleared
-Your Available Balance also does not include electronic payments in Bill Pay that have not yet been paid, or debit card transactions that have not yet been processed by the vendor for payment
-Your Available Balance will increase by the amount of funds made available from deposits per our Funds Availability Policy in our PDAA.
-If you exceed your available balance, you may incur an overdraft fee
Please view this video discussing what an Available Balance is: http://bit.ly/1qSujaj .
In your case, if your available balance reads $2,000.00, you have $2,000.00 available for use.
If you should have any questions, please give us a call 24/7 at 888-751-9000 or visit us at any TD Bank during lobby hours. Click here: http://bit.ly/TDStores to find a TD Bank near you.
We hope this answers your question, Christal and come by TD Helps any time you have a question in the future. Take care and have a great upcoming weekend!
Katherine G, Mount Laurel
June 25, 2015 03:10:56 PM